A vulnerable client is someone who, due to personal circumstances, may be especially susceptible to harm — particularly if they do not receive appropriate support. This can include temporary or long-term conditions that affect decision-making, risk management, or emotional wellbeing.
The Financial Conduct Authority (FCA) defines a vulnerable customer as:
“Someone who, due to their personal circumstances, is especially susceptible to harm, particularly when a firm is not acting with appropriate levels of care.”
At ThinkMarkets, we recognise that vulnerability is not a fixed label — it can affect anyone, at any time.